The First National Bank at St. James


Overview / Commentary
507-375-3376
202 1st Ave S
Saint James, MN 56081

The First National Bank at St. James is headquartered in SAINT JAMES and is the 234th largest bank in the state of Minnesota. It is also the 4,436th largest bank in the nation. It was established in 1934 and as of March of 2024, it had grown to 13 employees at 1 location. The First National Bank at St. James' CD rates are 3X the national average, and it has a C+ health rating.

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Health
C+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First National Bank at St. James has a low asset base.

Health Grade Components

Overall
FDIC Certificate #14853
Year Established1934
Employees13
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD6.96%
Annual Interest Income$479K
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$37.2MM$39.1MM
LoansQ1 2024vs Q1 2023$23MM$21.7MM
DepositsQ1 2024vs Q1 2023$34.3MM$36.5MM
Equity CapitalQ1 2024vs Q1 2023$2.8MM$2.6MM
Loan Loss AllowanceQ1 2024vs Q1 2023$368K$336K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$21K$18K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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The First National Bank at St. James CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.32%$500-182 Day CD
3.03%$500-12 Month CD
2.52%$500-36 Month CD
2.52%$5k-36 Month Variable CD
2.02%$500-18 Month CD
1.51%$500-30 Month CD
1.26%$500-24 Month CD
0.10%$500-91 Day CD

The First National Bank at St. James IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.03%$500-12 Month IRA
2.52%$500-36 Month IRA
1.26%$500-24 Month IRA
Locations


The First National Bank at St. James Locations
The First National Bank At St. James202 1st Ave SSaint James, MN 56081

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